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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $483,410 | $160,028+202.1% | $147,080+228.7% | $145,884+231.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.54% | 98.60%-84.1pp | 420.17%-405.6pp | 551.85%-537.3pp |
| Employer contribution / active EE | $11,441 | $5,286+116.5% | $4,933+131.9% | $4,662+145.4% |
| Participant deferral / active EE | $22,542 | $8,422+167.7% | $8,066+179.5% | $6,690+237.0% |
| Admin fee / account holder | $2,221 | $15,030-85.2% | $12,989-82.9% | $13,392-83.4% |